First Foundation Investor Presentation Deck

Balance Sheet and Equity Capital 8.31% YE 2019 $11.57 YE 2019 TCE/TA(¹) 8.75% YE 2020 $13.44 8.44% TBV Per Share(¹) 9.4% CAGR $14.92 YE 2020 YE 2021 YE 2021 FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved 7.13% YE 2022 $16.20 YE 2022 1) 2) 7.00% 3Q23 $16.19 3Q23 8.22% 8.25% YE 2019 11.12% 11.15% Tier I Leverage Ratio (2) YE 2019 8.98% 8.93% YE 2020 8.53% 8.43% Bank YE 2020 YE 2021 12.25% 12.17% 12.04% 11.90% Bank Total Risk-Based Capital Ratio (2) 8.59% Consolidated YE 2021 YE 2022 11.01% 7.44% Consolidated YE 2022 Use of Non-GAAP Measures Regulatory capital ratios for 3Q23 are preliminary until filing of our September 30, 2023 FDIC call report. 11.29% 8.34% 7.25% 3Q23 11.66% 11.98% 3Q23 41

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